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Do I need a debt program for getting ready for a home?
Filed under Personal FinanceMay 16
CWeb44 asked:
We have no kids and no dependents. We are looking into getting a mortgage in 2 years.
What do they look for when getting a mortgage?We have one credit card at $14,000, 2% – $250/mo.
We have a car loan added with a consolidation loan to it for $30,000 – 6% – $620/mo – 5 years
total debt : $44,000.
any ideas on how to pay this down quicker?
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3 Responses to “Do I need a debt program for getting ready for a home?”
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Brian G said on May 18th, 2009 at 2:21 am
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If you aren’t having troubles meeting the payments, don’t go to any debt program now. The legitimate ones will only work with people who are behind in their bills, when the lenders will work with them to get at least partial payment instead of none.
To pay them down quicker, pay more than minimum payments whenever you can, and don’t charge any more to your credit card. Six months to a year before you are ready to get your mortgage, don’t apply for any new credit. If you must buy something on credit, do it before that time frame. Make sure all your payments are on time. Even one missed payment can mean an extra hundred a month on your mortgage because of a higher interest rate.
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Ben said on May 20th, 2009 at 3:36 am
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Hi,
I used “Credit Solutions” to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It’s legitimate.I came accross this company on NBC News Special Edition.Check it out here: -
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